77.00
Revenue$M
128.9
136.2
144.1
149.2
153.5
157.6
163.0
168.8
179.0
186.0
85.72
3.91%
4.37%
21
10.90
Revenue growth%
8.88
8.73
10.14
11.04
11.71
14.03
12.39
14.81
16.66
17.05
13.29
14.81
12.05
45
15.47
NIM%
13.55
13.71
10.91
9.40
8.27
8.65
9.23
6.69
9.16
8.12
4.63
8.65
9.20
90
24.84
Effic. R.%
24.64
25.34
24.40
24.78
27.64
24.98
22.43
22.15
21.41
20.56
14.71
22.15
24.52
57
16.82
Net margin%
34.11
36.08
36.10
37.39
40.16
41.99
39.64
39.69
42.32
44.98
28.65
41.99
39.67
73
9.766
P/E ratio (avg)x
20.62
19.80
20.20
21.16
24.50
26.33
28.22
30.74
31.96
32.54
22.19
30.74
25.41
36
28.78
P/TBVx
14.65
15.43
15.75
14.96
17.40
17.81
17.30
17.89
18.43
17.27
27.47
17.81
17.28
23
8.898
P/Bx
27.02
24.06
22.04
18.97
18.29
19.06
18.28
15.99
16.73
15.15
35.88
16.73
18.63
91
96.24
NII$M
91.68
97.76
104.4
105.7
108.5
112.5
118.0
120.8
127.5
133.9
61.63
4.30%
4.56%
—
5.21
NII grth%
17.34
14.62
16.92
19.53
17.68
15.86
16.36
13.82
16.81
15.19
29.81
15.86
16.58
85
6.70
ROTE%
30.64
30.33
28.22
25.67
26.17
28.70
28.65
30.80
32.51
33.10
10.57
30.80
29.52
47
19.30
Return on equity%
9.28
6.71
8.67
9.71
11.62
11.60
10.03
9.38
9.71
7.92
14.78
9.71
9.54
86
10.15
Return on assets%
14.29
12.39
13.04
11.84
11.68
11.76
10.60
12.73
11.26
8.37
17.65
11.26
11.80
30
1.43
EPS$
4.40
4.54
4.44
4.43
4.61
4.73
4.88
5.82
6.63
7.69
1.54
10.77%
6.56%
—
18.42
EPS growth%
8.97
6.70
5.40
8.30
9.52
7.12
6.55
5.45
6.15
6.79
21.25
6.55
6.74
25
0.86
Bookvalue per sh$
2.78
2.95
3.41
3.68
4.12
3.98
4.09
4.61
4.68
5.30
0.75
5.16%
6.73%
—
2.71
TBV/sh$
0.84
0.76
0.74
0.66
0.70
0.66
0.66
0.63
0.63
0.60
1.74
(2.91%)
(3.16%)
—
0.58
Dividend per sh$
3.75
4.21
4.24
4.66
5.03
4.83
5.52
6.30
6.48
6.52
0.89
5.34%
6.15%
—
27.52
Div yield (avg)%
15.30
12.81
14.40
13.92
13.25
13.49
13.84
15.84
14.15
13.19
13.75
13.84
13.88
42
14.03
Payout ratio%
20.47
23.10
21.66
24.09
25.32
28.20
30.56
30.00
27.25
29.70
27.82
29.70
26.29
10
27.82
Shares (diluted)M
26.41
26.12
27.20
25.57
23.97
23.06
24.67
23.51
23.81
21.15
27.05
(2.48%)
(1.41%)
54
19.63
Buyback yield%
11.25
11.14
9.49
9.10
7.91
8.73
10.85
8.55
8.77
7.99
11.20
8.73
8.93
61
122.99
Eq/Assets%
153.19
174.71
186.66
205.96
217.02
202.04
183.92
197.82
207.94
227.20
66.33
202.04
199.93
58
0.173
Assets$B
0.492
0.552
0.592
0.637
0.666
0.729
0.808
0.871
0.929
1.018
0.114
8.86%
8.52%
74
174.6
LT debt$M
20.79
20.29
21.97
23.68
26.23
28.39
28.80
29.81
30.03
27.08
132.7
0.64%
2.20%
24
Total assets
$1.018B
8.52%
1.48×
Revenue
$186.0M
4.37%
1.00×
Non-interest expense
$88.17M
4.29%
0.99×
Net interest income
72.01%
Non-interest income
27.99%